I too am dealing with riscuity. I was wondering if they can charge anyone more than the original amount with original creditor. I only owed about 80.00 and now it is upwards of 1500. Something doesn't seem right.

[demoncasterouter]

REPLY TO ALL................

I'm not yelling, just trying to highlight (all caps draws attention)

Is this a CA? (I can't get into the BBB right now to see) If so, here is my prescription:

1. Send validation letter, w/ C&D.

2. Keep all subsequent letters.

3. Record all subsequent calls.

4. When you reach 4 fdcpa violations, sue.

5. Then take two aspirin and call me in the morning.

That's all there is to it. You will either hear silence after that, or they will continue sending letters and/or phone calls which is illegal. They may try to validate (1 out of 10 CA's tries to), but 99 times out of 100 it won't be FULL validation.

So send your DV ltr w/ C&D (CMRRR of course), sit back, pop open a cold root beer, and watch the violations rack up!

I was just contacted by the office of Riscuity. After reading these reports i would like to know if someone could tell me how to handle these people. My roommate told them i was unavailable. Can you please tell me how to handle this company

[anthony]

Ok, first be aware of your state laws and check the company license in your state. All companies must have a valid license first before attempting collections. Now, know the purpose for which Riscuity is contacting you. If the debt is valid, they need to send it to you in writing first. Without documentation, don't make any commitment from your side. They must follow the federal laws before collecting money from you. Talk to them and get everything straight. Don't fear from them otherwise you might get intimidated. Let us know how it shapes up after you hear from them.

First, if you legitimately owe the money and can pay, you obviously should do so on fair terms.

Second - if you're on this board, you've obviously got internet access. Research the fair debt collections practis act (fdcpa) and assert your rights - sue the bums if you need to. They CANNOT harass you at home and work by phone IF YOU ASSERT YOUR RIGHTS. If they're violating the Act, get your proofs together (most states permit you to tape calls without informing the other person - check your state law by googling "one party consent"). Once you have your proofs, many attorneys will take these cases for free because the other side will end up paying the legal fees. If you can't find a lawyer who'll do it without charge (or for a reasonable fee), then sue them pro se.

YOU HAVE RIGHTS - EDUCATE YOURSELF AND ASSERT THEM!

[Gretchin]

Adding further to the post of David put above, here is a link to the fdcpa laws. Everyone should be aware of the legal rights under the federal laws. These laws protect you from the illegal activities of the collection agencies. Use the FDCPA as a legal umbrella and cover yourself from the shady practices.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

I am SO happy I found this forum! I recieved a call from Riscuity TODAY. I've talked to them in the past but today they called & stated that if I did not make pmt arrangements, they would be charging me with a felony for writting a bad check, so I set up a pmt plan. The thing is, the check they say I didn't pay.....I don't believe I wrote it, I think my ex did when we were still together, without my knowledge. They (Riscuity) claim they dont have a copy of the check. I WILL be calling back tomorrow to cancel all the pmts & inform them I want all the things they are required to give me (detailed pmt history, copy of the check, notice in writting- to this day they've not sent ANYTHING via mail, etc). If need be I will close my bank acct to avoid these pmts because I have a feeling they're so rotton, they will try to put them through anyway!
So THANK YOU SO MUCH for all the info u all have provided!

[Not so Lucky]

Make Riscuity validate the debt. Send them a validation letter certified mail with return receipt. Chances of them validating is slim to none. They are one of the worst collection agencies around. You need to cancel the payments immediately. Please put a search into the forums and see how Riscuity operates and how they treat people.

I've been receiving phone calls from Riscuity for several months. They are trying to collect from a 'Brian Smith', but don't have all their facts. So, they are just grasping at straws, trying to find the right person. They even rattled off a social security number of the person they are trying to collect from. Their calls have been accusatory and demanding. Very unprofessional!

[quietrain81]

I dealt with them before and they are ruthless. They took $300.00 out of my account a week early and caused my insurance and other things to bounce. Of course the bank paid it but not before tacking on the fees. I dealt with some lady named "Ty".

The last 800 number I have by a company with a name very similar to this is 800.716.6780. If this is the same "financial service' that wouldn't tell me who they were after months of harassment when looking for somebody else, then these people are bad news. They don't care if they're calling the wrong people!

bss, I missed your post before writing mine. I also have the same problem, Our calls started 2-3 months ago for some lady named Akiva (thanks. lady, btw). We told them she doesn't exist at this number, then had to keep renewing our voice mail recording so the bad-English speaking lady would understand it was a wrong number and even put them on selective caller reject - only to have them get around it by calling from yet another 800 number. Today was the last straw when the lady stuttered & couldn't even remember who she was even calling when leaving another messege and I'm tired of having to delete them. I called the number and there was no recorded business name so I had no clue who I was calling. A guy answered and in his voice I heard the doubt - he thought I wasn't telling the truth, like I was pretending not to be the person they've been trying to reach. Like I'd call them and tell them off if I was her??! DUH! He even questioned the address on file, which was of course a PO Box. He finally asked if I wanted our number removed. G,YA THINK??? We're unlisted, unpublished and are on the DNC list. My provider had to call to get the info that they're a finance company and he said he was told riscuity and they lied about having our number on file AND asked my provider for a SS#!!! Why do they need/want a SS# for someone who isn't even in their file? And why ask our provider that? They try calling here again I'll nail them because I now have proof, thanks to my provider.

In Pennyslvania you can *57 (check your local
phone book) and the phone company automatically
traces the call (charges apply) but you have a record
of how many times a creditor calls you (especially)
if they have the wrong phone number and then you SUE THEM. You have prove positive

all of you need to know there are laws BUT for every law protecting you there are 10 laws around it. I work in this field BUT not the old time debt collections, we pride ourself in resolution of the bills and that is what our company does, we resolve if its close, pay or dispute the bills. But what I see in most of these notes are only half true, YOU DO HAVE RIGHTS, but you also need to understand so does the collection agency. they can call your home fomr 8-9 7 days a week unless your state does not permit daily calls, they can leave messages at friends or fmaily 1 time, they can also recall friends or family IF they find the friend or family might have new informaiton. they can call your job, they can do lots of things. YOU CAN STOP it but once you stop the calls or letters you force them to process legal action. just remember IF YOU DO OWE the funds you need to do something to pay them. It will not go away.
unless you put it in writing, sent certf mail they can continue to call you home, as for you work the law says they must cease if you tell them to but honestly its your word against theirs. they can call and verify you employment even it you say not, they can report it to the credit. the bottom line is IF YOU OWE THE BILL PAY IT, don't pee them off, they can sue you, and don't think they don't have a copy of your check, they do, it may not be sent to you upfront but they only need to tell you who you owe, how much, who they are, and then if you request proof in writing send you the contract or check in question. just make sure when you lissen to all these poeple on this site that you don't have select hearing or select reading. when we are mad or upset we tend to do that.

[Bossy4455]

First of all,if you read Gretchins' post there is a thread for all the fdcpa reg.,second,no one here is trying to get out of paying anything. We are protecting our rights not to be threatened,cursed at,screaming etc.,that I myself have been prey to. I have and wanted to pay off my debt,but a few of the CA reuse to even talk,without calling me everything but my name,and hang up. The point is,everyone need to be sure this isn't an old debt from 20 years ago,like mine,and the CA has the legal right to collect,before making payment arrangements. And never give out your bank info.,send them a money order,something that does not have your info.Many people have had draft after draft,without authorization taken out of their bank...Karen

[deninge]

Is there a letter or something that I can send to Riscuity to tell them to stop calling me at my job. The last time I spoke with someone there, they were very rude and disrespectful to me. They lied and told me that their employees will not be calling me, but their supervisors, but they do not identify themselves as that. I also want to report harrassament on them. Please help.